Cheap 2014 Chevrolet Express Insurance Quotes

Trying to come up with a payment for pricey auto insurance can drain your checking account and force you to prioritize other expenses. Comparing rate quotes is a fast and free way to reduce premiums and put more money in your pocket.

People have multiple insurance companies to purchase coverage from, and though it is a good thing to have a selection, so many choices can make it hard to find a good deal.

Consumers need to check auto insurance prices as often as possible because prices are adjusted regularly by insurance companies. Just because you found the lowest quotes for Express insurance on your last policy the chances are good that you can find a lower rate today. You’ll find a ton of advice on auto insurance out there, but we’re going to give you some great ideas on how to slash your auto insurance rates.

Pricing the cheapest protection is not that difficult. Basically, every vehicle owner who shops for car insurance most likely will be able to reduce their rates. But drivers can benefit by having an understanding of how big insurance companies market on the web and apply this information to your search.

Decisions you make can impact your insurance costs

One of the most helpful ways to save on insurance is to to have a grasp of some of the things that help determine insurance rates. When consumers understand what determines premiums, this helps enable you to make changes that can help you get lower rates.

• Always have insurance – Driving your car without having proper coverage is not a good idea and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, not being able to provide proof of insurance might get you a license revocation or jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Annual mileage and car insurance costs – The higher the miles on your Chevy in a year’s time the higher the price you pay to insure it. The majority of insurers calculate prices determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than cars that get driven a lot. Having the wrong rating on your Express can result in significantly higher rates. Make sure your insurance policy is rated on the right rating data, because it can save money.
• Liability coverage – Liability insurance provides coverage when you are found liable for damages caused by your negligence. This coverage provides for a legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so do not skimp.
• Car plus home equals more savings – Some insurance companies provide a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare other company rates to help guarantee you have the best rates.
• Discounts for married drivers – Having a significant other may earn you lower rates on your policy. Having a significant other means you’re more mature and insurance companies reward insureds because drivers who are married are more cautious.

Buy insurance coverage online

To find cheaper insurance coverage quotes, there are several ways to compare rate quotes from lots of insurance coverage companies. The recommended way to find affordable 2014 Chevy Express insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.

If you are pressed for time, the simplest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for a different quote for each company. One form will return price quotes from insurance coverage companies with the best prices.

A more time consuming way to get comparison quotes is spending the time to visit each company’s website and complete a new quote form. For example, we’ll assume you want to compare prices for Geico, 21st Century and State Farm. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using identical coverages and limits for every quote you compare. If the quotes have different limits and deductibles on each one then you won’t be able to make an equal comparison. Quoting even small variations in coverage limits may result in large price differences. And when quoting insurance coverage, remember that having more price comparisons helps you find more affordable rates. Some smaller insurers to not give prices over the internet, so you need to compare rates from those companies as well.

Cheaper insurance coverage rates with discounts

Auto insurance companies don’t always publicize all their discounts in a way that’s easy to find, so the list below contains a few of the more well known as well as the least known insurance coverage savings.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• New Car Discount – Putting insurance on a new car can save up to 30% compared to insuring an older model.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you may have a lower total premium amount.
• Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Telematics Data – People who choose to allow companies to track their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they exhibit good driving behavior.
• Military Rewards – Having an actively deployed family member may qualify for rate reductions.
• Bundle and Save – When you have multiple policies with the same company you could save up to 20% and get you cheaper insurance coverage.

Don’t be shocked that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

A few of the larger companies and the discounts they provide are included below.

• Progressive includes discounts for multi-vehicle, online quote discount, online signing, homeowner, good student, multi-policy, and continuous coverage.
• Farmers Insurance has savings for bundle discounts, mature driver, good student, early shopping, and switch companies.
• Farm Bureau may offer discounts for 55 and retired, driver training, safe driver, youthful driver, good student, and multi-policy.
• State Farm discounts include accident-free, good driver, safe vehicle, student away at school, good student, Drive Safe & Save, and multiple autos.
• Geico offers premium reductions for federal employee, air bags, defensive driver, driver training, good student, five-year accident-free, and seat belt use.
• SAFECO policyholders can earn discounts including safe driver, anti-theft, anti-lock brakes, multi-car, and bundle discounts.
• Liberty Mutual may have discounts that include newly retired, exclusive group savings, multi-car, preferred payment discount, good student, and new move discount.

When quoting, ask every insurance company to give you their best rates. Some discounts listed above may not be offered in your area.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that may help you determine if you will benefit from professional help.

• How does medical payments coverage work?
• Is my 2014 Chevy Express covered for flood damage?
• Do I need more liability coverage?
• When can I cancel my policy?
• Why do I only qualify for high-risk insurance?
• Am I covered if I break a side mirror?
• How much can I save by bundling my policies?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical expenses, emergency aid, repair costs for stationary objects, bail bonds and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, theft and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, doctor visits, surgery and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Chevy Express.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Collision – Collision insurance pays for damage to your Express from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as scraping a guard rail, driving through your garage door, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Never pay more for less

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In many cases, someone dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

You just read a lot of techniques to reduce 2014 Chevy Express insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper insurance coverage. Drivers may discover the lowest prices are with the smaller companies. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and Geico.

For more information, take a look at the following helpful articles:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• How do I File a Claim? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Auto Insurance FAQ (Farmers Insurance)